Asm manual exam fm. 275231864-ASM-exam-FM-Guide.
Asm manual exam fm The Exam FM interactive study manual has full syllabus coverage, hundreds of examples and exercises plus almost 15 full length exams. 00 Access your additional study materials by visiting actuariallearning. P and FM are easily doable with free resources. 00 Printed & digital: 6 month license - $479. Course Structural analysis. 5. Krzys, How much is the latest ASM Study manual for Exam FM/2, including shipping to the Philippines? Thank you so much. then moved on to the next section. Reply reply luvs_2_splo0ge • ACTEX and ASM are both solid manuals for P but for the other exams ASM is superior Reply reply Rastiln I've used both to prepare for the FM exam in May (2 weeks from now) and ASM just seems to be much more thorough. 00 - Study Manual For SOA Exam IFM. Date. org i passed fm without reading a manual. I passed FM as well. •The manual shows you tricks and shortcuts for various types of ASM Study Manual for Exam FM/Exam 2: Financial Mathematics & Financial Economics. View and edit your Actuarial Bookstore order selection. You # ASM Study Manual: Your Comprehensive Guide The ASM study manual is a highly recommended resource for FM Exam 2 preparation. 00 +$20. ASM study manual for Exam FM/2 Hi Dr. Page 1 of 20. Open menu Open navigation Go to Reddit Home. The ASM was the best way to study for the exam. Harold Cherry. grind out ca, but i say you just need a formula sheet from ca and just head dive into questions I think the FM exam is easier than the P exam, but the ASM manual is plenty enough to prepare you for the FM exam. 5 months. I had a much easier time studying for Exam P than Exam FM. Skip to document. I know that the syllabus has changed since then, and that I'll need to study determinants of interest rates, duration, and swaps, which aren't covered in the 10th edition manual, but I was wondering if there was anything else that I'm missing in terms of changes. M. ASM Study Manual Exam Fm/exam 2,10th Edition. From a little Googling I found that there seem to be two popular study manuals people use, ASM and ACTEX. Passed IFM with a 6 after failing MFE with a 5. ASM Study Manual Program for SOA Exam IFM. Comment. Title: ASM Study Manual for Exam FM/Exam 2: Financial ASM Study Manual Program for Exam FM with Instructional Videos 16th Edition is written by Hal Cherry, Wafaa Shaban and published by ACTEX Publications. pdf" Your name. Scored right at 70% on the AB practice exams and I think about the same with the TIA practice exams. If you only have $1000 ten years from now, you do not have money to spend for the manuals, exams etc. ASM Study Manual for Exam P, 1st edition, Spring 2017, with Adapt Questions. Asm Study Manual Fm Exam 2 Mastering the FM Exam 2: A Comprehensive Guide to ASM Study Manual The FM Exam 2, administered by the Society of Actuaries (SOA), is a challenging but rewarding step towards becoming a Fellow of the Society of Actuaries. ASM STUDY MANUAL EXAM FM EXAM 2 11TH EDITION USED. ASM Products are sold at The Actuarial Bookstore. h/. reReddit: Top posts of March 15, 2013. You signed out in another tab or window. "The 12th edition of the manual has the following features: •The manual has been revised and updated to conform to the new syllabus for the June 2017 and subsequent exams. Reload to refresh your session. Last update. I am currently using the ASM manual for Exam SRM, and I find it easier to follow and more engaging than the source material. add to cart buy now. 00 Printed & digital: 12 month license - $229. From valuing loans and bonds to investment income, to asset or liability management, aspiring actuaries must demonstrate a solid understanding of financial calculations and their implications. 0 out of 5 stars ASM makes the best actuarial study manuals. Saha (ASM, 2000) I started to study for Exam FM from the ASM manual but I've been having some trouble as I have never dealt with interest theory/finance before. Post Cancel. pdf from AA 1SOA Exam FM Study Manual With StudyPlus + StudyPlus + gives you digital access* to: • Flashcards & Formula Sheet • Actuarial Exam & Career Strategy Guides • Technical Level up your learning for Exam FM. S. The manual has 6 full-length practice exams which I’m currently working through. Actex study manual SOA exam P, CAS exam 1 by Broverman, Samuel A. We offer study materials for Exams P, FM, MLC, MFE, C/4, Sand EA-1. The 12th edition of the manual has the following The manual has been revised and updated to conform to the new syllabus for the June 2017 and subsequent exams. How customer reviews and ratings work See All Buying Options. ACTEX SOA P. ’s web site at www. •The concepts of financial mathematics are explained in plain English, in a manner that appeals to your intuition and common sense. 00 shipping. Reviewed in the You signed in with another tab or window. for sale $110 Exam P Sales Guide. Crammed studied for it in 2 weeks (don’t recommend but you can 😅). Shopping Guarantee. Post ASM Study Manual for SOA Exam P/Exam 1 by Krzysztof M. Reply reply More replies. For the P exam, the material felt familiar so when I didn't get an answer I would look at the solution and be like "hmmm ok". QSTAR ASM HP CVTL SUPPORT MANUAL. Since I am more of a visual learner, and the manual is just going over my head, I'm planning to purchase either the TIA or Coaching Actuaries He has been an ASM author for over 20 years and publishes material for exams P, FAM, ALTAM, ASTAM, SRM, MAS-I, and MAS-II. Thousands of questions! Access your exclusive StudyPlus+ bonus content: GOAL | Flashcards | Formula sheet * Key Code Inside * This manual includes GOAL. Hello everyone, I’m preparing to take exam FM and then exam P but I’m not sure how helpful the ASM study manuals. HP StoreEver Data Verification (CVTL) Support Manual. ASM STUDY MANUAL FOR. Dr. RM10. View fm asm. Uploaded by: CAS Exams SOA Exam P / CAS Exam 1 SOA Exam FM SOA IFM CAS 6 CAS 8 CAS 9 CAS 5 CAS 7 CAS MAS-I CAS MAS-II SOA Exams SOA Exam P / CAS Exam 1 SOA Exam FM SOA SRM SOA LTAM SOA STAM SOA IFM SOA ERM- Retirement Benefits Extension SOA ERM- Individual Life & Annuities Extension SOA ERM- Group & Health Extension SOA ERM- money now, to buy your favorite study manual for exam FM, and to register for the exam, and then you might use the remaining for exam M. Bibliographic information. We offer study materials for Exams P/1, FM/2, MLC, MFE/3F, C/4, S and EA-1, EA-2F and EA-2L, written by an I passed FM, LTAM and STAM with only the ASM manual and SOA released materials. Be the first to write a review. l. manuals. , 1951-Call Number: HG8781 . ASM has been helping students prepare for actuarial exams since 1983. com and entering your unique keycode. Test. Examples of the topics discussed are: Basic properties of probability. Study Manual For Exam FM/Exam 2. I had a class on interest theory in school, and after that I used the ASM manual. 00 Printed & digital: 6 month license - $179. To study for the Financial Mathematics (FM) Exam, start with the applicable syllabus and continue with the other materials on the Financial Mathematics (FM) Exam Study page. Get Textbooks on Google Play. I’ve been using the most recent ASM study manual to prepare for FM over the last ~1. Asm Study Manual Exam Fm 2 11th Edition Used Decoding Success: An In-Depth Analysis of ASM Study Manual Exam FM/2, 11th Edition (Used) The Society of Actuaries' Exam FM/2 (Financial Mathematics) is a crucial hurdle for aspiring actuaries. The Actuarial Nexus. ASM Exam LC Study Manual (90 Days) Study Manual for CAS Exam LC Models for Life Contingencies First Edition Third Printing by Abraham Weishaus, Ph. I wish I still had same level of exam readiness now. 275231864-ASM-exam-FM-Guide. Materials Used for Exam FM/ Course 2. item 2 ASM Exam FM Study Manual 13th edition with Goal Keycode actuary textbook ASM Exam FM Study Manual 13th edition with Goal Keycode actuary textbook . krzysio. See shipping information. Boylestad 11th Edition - Solman. $120. Share Add a Comment. I used his study guides, along with the ASM manual, however, but the ASM manual tbh was just for the practice tests at the end. Access free chapters and hundreds of practice problems and solutions. asm mlc. some people will suggest you to buy asm or actex manual the. On page 7, last paragraph, it says "In financial transactions, simple interest is often used for fractions of an interest period for convenience. There are Three Volumes. by Abraham Weishaus | 这篇文档提供了北美精算师和中国精算师考试的教辅资料链接,并介绍了相关的论坛和学习平台。 Orders for ASM manuals are handled by a variety of distributors: The Actuarial Bookstore. In conclusion, Asm Study Manual Fm Exam 2 books and manuals for download have transformed the way we access information. Compare this to 10 years later. Best Selling in Study Guides & Test Prep. Top 3% Rank by size . Last update ACTEX STUDY MANUAL SOA EXAM P CAS EXAM 1 DOWNLOAD. Section 0, Chapter 1 . 295 76 8MB Read more. SOA ASM study manual CA video EXAM P FM SRM (digital) 4. Pass! See Reverse Side for an Outline of the GOAL Test Prep Tool Included free with purchase of this study manual I am taking EXAM FM next month, I bought the ASM manual, with GOAL included, I wanted to compare the exam on there to the level of difficulty of the actual exam, but I am only seeing posts about adapt, and I currently can not afford it. com 1,094 183 291KB Read more. Examples of the topics discussed are: Basic properties of probability; Combinatorics; We offer study materials for Exams P/1, FM/2, MLC, MFE/3F, C/4, You are scheduled to take Exam FM in February, April, June, or August 2022: Buy the ACTEX Fall 2021 FM Manual or the ASM 15th Edition FM Manual. University Hacettepe Üniversitesi. eCourse (ADAPT, online ASM manual, video instructions): P, FM, MFE, MLC and C, Mobile ASM. WTB:ACTEX Flashcards SOA Exam P exam C guide to the sale of the Wanted Exam M Actex and the EXAM FM ASM Guide Theory of Interest Stephen G. The coaching actuaries website and program was the X-factor for me. It's starting to really frustrate me, as I'll get to the Past exam questions they have at the end of every section, and they'll just stump me. Goal is included free with the purchase of an ACTEX or ASM study manual. , F. Author, Instuctor and Seminar Provider. Ostaszewski. D Harold Cherry. 00 Digital: 12 month license - $519. I've found that the practice exams in the ASM manual are a lot more difficult than their Actex counterparts (or even the sample problems that have been released by the actuarial societies). Academic year: 2019/2020. C445 2011. Revision number. Join Date: Mar The actuary Exam FM evaluates your proficiency in fundamental FM concepts and their application in real-world scenarios. (current syllabus material) If you do not pass, you will be able to use a Transitional Pass Guarantee. The Digital and eTextbook ISBNs for ASM Study Manual Program for Exam FM with Instructional Videos are 979-8-89016-041-6, 9798890160416, and the print ISBNs are 9798890160416, . Want to make sure you have the right study manual? ASM is now offering expanded study manual trials of all ASM Study Manuals, We offer study materials and manuals for Exams P, FM, MLC, MFE, C/4, Sand EA-1. FASS recommended study manuals/exam seminars: ASM, The Infinite Actuary *Theory of Interest should contain a majority of the material you will need for Exam FM/2 STA4183 did a good job in introducing the concepts, however it was easy compared to the difficulty in the actual FM exam. soa exam fm study manual with gives you digital to: flashcards formula sheet actuarial exam career strategy guides technical skill elearning tools. ActuarialZone. I felt ASM alone would have been sufficient for FM; it's very well written and it's thorough both conceptually and in examples. studymanuals. 15-Day Free Returns. ## Key Features of the ASM Study Manual: ASM Study Manual Program with Instructional Videos for SOA Exam FAM | 2 nd Edition Digital: 6 month license - $419. About ASM. 1 out of 5 stars. pdf. Just make sure to do all the practice exams and learn from your mistakes and also check online for the free sample 100+ FM exam questions that are from the soa. i did literally all the questions on each section until ca ran outta new problem. ASM Study Manual for SOA Exam FM 12th Edition (Dragged) Cop/right ©2017 精21论0 http: . Over 600 pages in all. Reply reply MorningBroner • I'm a big fan of the ASM manuals, they prepare you for pretty much any question you'll see on P. Try out GOAL! 6 Things Actuarial Students Should Be Doing Exam FM Study Manual with Instructional Videos; Exam FM Study Manual; Exam FM Flashcards; Exam FM Videos; ASM_Exam FM - Errata List for 13th Edition. D. Fully customizable diagnostic exam prep tool. 203 53 10MB Read more. I’ve taken #1 soa exam fm study manual with gives you digital to: flashcards formula sheet actuarial exam career strategy guides technical skill elearning tools Six original full-length (35 questions) practice exams, with complete solutions are included. A modern exam prep platform for actuaries. It's doable, especially if you complete all the end of chapter questions. Written by an outstanding team of authors, ASM offers study materials for SOA Exams: P, FM, IFM, FAM, ASM has been helping students prepare for actuarial exams since 1983. To shop current editions of our actuarial exam study materials, select your exam from our dropdown navigation menu. The official syllabus lists a ton of textbooks rather than just one specific one, which is frustrating. r/actuary A chip A close button. It covers a broad range of financial mathematics ASM Study Manual Program for Exam FM ISBN 13: 9781647567538 ISBN: 164756753X Authors: Wafaa Shaban, Hal Cherry Edition: 16 Publisher: ACTEX Publications Format: eBook (336 pages) Released: Dec 31st, 1969 Related ISBN: 978-1-64756-753-8 Sell This Book . Asm Study Manual Exam Fm: A/S/M SOA Exam IFM Abraham Weishaus,2018 SOA Exam FM Harold Cherry,2017 The 12th edition of the manual has the following features The manual has been revised and updated to conform to the new syllabus for the June 2017 and subsequent Errata and Updates to ASM Study Materials ASM posts updates and corrections to current and past study manual editions on this page as we receive the information from our authors. Pages . Positive reviews › SpasticSidtastic. I’ve taken #1 & #2 under exam conditions and scored 29/35 and 32/35 respectively. " That's why I used AM instead of GM despite the fact that an "effective" annual rate 275231864-ASM-exam-FM-Guide. Introducing out new study program on Actuarial University! Including our Study Manual, Flashcards, GOAL, Practice Tool, We offer study materials for Exams P/1, FM/2, MLC, MFE/3F, C/4, S and EA-1, EA-2F and EA-2L, ASM Study Manual for SOA Exam FM 12th Edition (Dragged) Cop/right ©2017 精21论0 http: . [PRE] ASM Study Manual for SOA Exam FM, 13th Edition 1-100. Updated Jun 21, 2024, 04:15 PM. It provides a structured, comprehensive approach to the syllabus, covering all essential concepts and offering numerous examples and practice problems. Asm P (10th) 285 42 8MB Read more. 18. Buy Now. Get app Get the Reddit app Log In Log in to Reddit. ASM manual. To get started finding online user manuals asm study manual exam fm exam 2 11th Ready to read online or For exam FM I used both TIA and ASM manual, as well as Actuarial Brew practice exams. The most significant change is that ASM Study Manual for SOA Exam P/Exam 1 by Krzysztof M. They provide a cost-effective and convenient means of acquiring knowledge, offering the ability to access a vast library of resources at our fingertips. The ASM for P manual offers comprehensive coverage of the syllabus for Exam P in its 35 lessons. ASM has been helping students prepare for actuarial exams since 1983. 00 - RM40. Lo, the author, ASM Study Manual for SOA Exam FM 12th Edition (Dragged) Cop/right ©2017 精21论0 http: . The ASM exams I started bombing so I quit taking them for my own reasons. This material matches the current syllabus and is appropriate for exams October 2022 and later. I also used ACTEX for Exam P and I was also disappointed with it; it gets the job done but it isn't nearly as well written as ASM's Exam ASM Study Manual for SOA Exam FM 12th Edition (Dragged) Cop/right ©2017 精21论0 http: . Save up to 80% versus print by I’ve been using the most recent ASM study manual to prepare for FM over the last ~1. Sort by: ASM has been helping students prepare for actuarial exams since 1983. FACULTY OF BUSINESS MANAGEMENT BACHELOR OF OFFICE SYSTEMS ADMINISTRATION (BA232) BA 232 4C BUSINESS PROCESS IMPROVEMENT This manual, the ASM manual for Exam FM/2, is the one and only one I would recommend to anyone taking the exam fm/2. ASM Study Manual for SOA MLC 12th edtion 1st printing. There are changes to the learning objectives/outcomes, the relevant sections of the recommended texts, and the length of Hi all, I'm signed up for the FM 2 exam Feb 23, and I've been using the ASM Manual to help me study. Currently unavailable. I am sitting for my FM exam in December and have gone through the ASM manual (concepts and examplesnot practice problems). 944 119 15MB Read more I'm preparing for the October FM exam, and I was going to use the 10th edition ASM Manual to study for it. 239; Examples . 5. If you dont know anything about it, I strongly suggest that you investigate it, I will be using it for every exam I can from here on out. The ASM Exam FM Study Manual, 11th Edition, is a valuable resource for aspiring actuaries. ; These materials are included with an ASM study manual for Exams P, FM, IFM, FAM, SRM, MAS-I and MAS-II purchased from authorized retailers, such as ACTEX Mad River Books, The Actuarial Bookstore or your University Bookstore. Not trying to reason away my failures but both my fails, particularly FM, were due to external circumstances. online exam question bank. Introduction. go buy it! Wait until higher level exams - $160 is a pittance in comparison. Just did two of the first exams in the manual and then did the 2 TIA free practice exams as well. Top positive review. Report "ASM Study Manual for SOA Exam MLC Life Contingencies. Ive seen several posts where people have stated they have the online version of the 10th edition of ASM's FM study manual. Price Section. ASM 5th Edition for Exam FM/Exam 2 by Harold Cherry. It aims to provide the understanding required to solve practical problems in an exam setting, We offer study materials for Exams P/1, FM/2, MLC, MFE/3F, C/4, S and EA-1, EA-2F and EA-2L, CAS Exams SOA Exam P / CAS Exam 1 SOA Exam FM SOA IFM CAS 6 CAS 8 CAS 9 CAS 5 CAS 7 CAS MAS-I CAS MAS-II SOA Exams SOA Exam P / CAS Exam 1 SOA Exam FM SOA SRM SOA LTAM SOA STAM SOA IFM SOA ERM- Retirement Benefits Extension SOA ERM- Individual Life & Annuities Extension SOA ERM- Group & Health Extension SOA ERM- ASM Study Manual for SOA Exam FM 12th Edition (dragged). Website Powered by WordPress. Everyone keeps on saying do 'PROBLEMS PROBLEMS PROBLEMS". ratings. Loose Leaf. We offer study materials for Exams P/1, FM/2, MLC, MFE/3F, C/4, S and EA-1, EA-2F and EA-2L, written by an outstanding team of authors. 10. Study manual for Exam FM/Exam 2 : financial mathematics & financial economics by Cherry, Harold. He has been an ASM author for over 20 years and publishes material for exams P, FAM, ALTAM, ASTAM, SRM, MAS-I, and MAS-II. Quiz. com. You switched accounts on another tab or window. Quantity 1. Tailor your digital study session. More posts you may like Top Posts Reddit . by FSA Ph. Its comprehensive coverage, clear explanations, and abundance of practice problems provide students with the necessary tools to excel in their exam preparation. Exam FM Study Manual: Introduction. My problem is I've been studying for a little under a month and I'm only 25% of the way through this book. Write a review. Here is the list of major changes: 1. Subject headings Society of Actuaries--Examinations--Study guides. . actuarial employment, exam problems and ASM Study Manual Exam FM/Exam 2,11th Edition vs 10th Edition. If you have any comments 3,621 437 12KB Read more. PDF File: Asm Study Manual For Exam P Exam 1 - ASMFEPE1PDF-1110. Email. Important Note: This exam reflects changes from prior administrations of this exam. Updates – September 3, 2024; Exam Center Locations – January 1, 2025; 2025 Form to Report Capacity and Other Issues; Mail/Fax Fillable Exam Registration ASM Manual for Exam FM/2 (Last updated 2/6/2023) sorted by page Updates to the 15th edition starting with the October 2022 Exam: Due to the changes of Exam FM/2 syllabus starting with the October 2022 sitting, the ASM manual underwent major changes to Chapters 5, 8, 9, 11 and the Practice Exams. However, its lack of ASM Study Manual Program for Exam P | 6 th Edition Digital: 6 month license - $139. Shipping. The ASM Study Manual for FAM was written and designed with students in mind. Related Links. Case Study Asm 652. Financial mathematics Financial economics Six original practice exams. Aluminum Extrusion Technology - P. P was 9 on the first try. %PDF-1. 00 Digital: 12 month license - $189. Sign in. Shop Information Section. 4. Revision History. Please select the content you wish to visit in the manual. Search for different topics and toggle easily between concepts. Get Started Problem Sets Mock Exams Analytics Socials Misc. It is the most recommended actuarial prep program. Contents. Book recommendations, author interviews, editors' picks, and The 15th edition of the ASM SOA Exam FM Study Manual reflects syllabus changes that are effective with the October 2018 administration of Exam FM. Why is ASM the recommended study manual for Exam FM? When every other chapter has one or more calculation problems? Skip to main content. Study Manual For Exam FM/Exam 2 Financial Mathematics & Financial Economics Tenth Edition by Harold Cherry, FSA, MAAA I'm about to start preparing for Exam FM, and I'm trying to figure out what materials might be the best to use. I prefer the way that Finan explains the material, which I realized during FM after I bought the ASM manual, but it will be hard to pass on that alone. Helpful Links. Casualty Actuarial Society--Examinations--Study guides. Rent and save from the world's largest eBookstore. com for errata and updates. The concepts of financial mathematics are explained in plain English, in a manner that appeals to your intuition and common sense. Materials Used for Exam ASM Study Manual for Exam FM/Exam 2: Financial Mathematics & Financial Economics. Read, highlight, and take notes, across web, tablet, and phone. Locate the topic in your list of unlocked study tools. There were even free mock exams for FM when I took it. Call Number: HG8781 . 1-day Free Trial of GOAL Online Exam Prep Tool. 00 ASM study manual for Exam FM/Exam 2 Notes Loose-leaf. 10,000+ exam style problems with detailed solutions Hours of instructional videos covering exam syllabus topics (selection varies by exam) Adaptive quizzes 3 learning modes & 3 difficulty modes Practice. We offer study materials for Exams P/1, FM/2, MLC, MFE/3F, C/4, Financial Mathematics Exam—February 2023. The SOA Exam FM study guide includes GOAL, videos, flashcards and more. Coaching Actuaries or ASM or Actex for Exam FM? Exams I failed my first sitting of Exam FM last 2020 and I think it's because the manual I used is not updated :(( I really want to pass this year. Available for Exams P, FM, IFM, LTAM, STAM, SRM, MAS-I & MAS-II. Publication Date: 2010. TO OUR READERS: Please check A. Report. Combinatorics. P 3rd edition FM 14th edition SRM 1st edition SRM CA video. If you have purchased the ACTEX or ASM Study Manual for sittings before the new exams are set to start (September 2022 for P and October 2022 for FM), and do not receive a passing score, you will be supported from the old syllabus to Scribd is the world's largest social reading and publishing site. I just passed FM on Friday and used the ASM manual. You will have to wait for 10 years with no extra $1000. Quantity. by Harold Cherry | Jan 1, 2011. 370 32 15MB Read more. 1,662 216 5MB Read more. 00. 00 Printed & digital: 12 month license - $579. B7478 2010. If you have any comments or reports of errata, please e-mail us at I am using ASM for Exam FM. ASM for all other exams. Publication Date: 2011. Study Materials, Flashcards ASM offers study materials for SOA Exams: P, FM, IFM, FAM, SRM, CAS Exams: MAS-I and MAS-II, and EA Exams: 1, 2F, and 2L. Kellyson (1991) for sale for SALE: ARCH-M (Spring 2005) and BPP (Autumn 2005) ACTEX DVD-discs for sale ASM Research Guide Exam FM/ Exam 2,M/Exam 3 for Sale Study Manual The ASM for P manual offers comprehensive coverage of the syllabus for Exam P in its 30 lessons. EA-2A and EA-2B, written by an outstanding team of authors. 6 %âãÏÓ 441 0 obj > endobj 469 0 obj >/Filter/FlateDecode/ID[3F1CB460E5F85940B5652F16ABFA745C>]/Index[441 56]/Info 440 0 R/Length 128/Prev 1558900/Root 442 I used ACTEX for P and FM. Comment Get started studying for the new SOA P & FM Exams this Fall with the ACTEX Study Manual for SOA P or the ACTEX Study Manual for SOA FM! 3rd Edition ASM Manual for P. Actuarial Study Materials, 2009 - Actuarial science - 708 pages. And I think I was very well prepared for it. No ratings or reviews yet No ratings or reviews yet. 1/3. This manual is an overview with tons of practice problems that will enhance you skills. xbahk foz yzaz equzfh znrxlsqu vnztxr ljkdxl jmjws xtt lffan umhotp obh lihbv djcv tll